A bit of an odd question, I'm afraid. I'm not sure how best to word it.

Basically, I have contents insurance through Endsleigh for my student accommodation. It covers my gadgets anywhere in the UK too. The sum of that insurance is £500, but I'm not quite sure what that means.

Does that mean I can pick and choose items up to the value of £500 which would be covered? Like, one laptop + one games console, or 100 CDs up to the value of £500? Or does it mean that I can have consoles, cameras, laptops, computers, phones, etc, and they'll pay out the first £500 (after excess has been paid) for all of this?

I ask because sometimes I'll be going away for weekends with my society doing hiking, walks, etc. I'll be taking my camera with me, but if it gets damaged, I want to know that it's covered. I don't want to have pre-determined specific items which get insurance and ones that do not. I am covered for "accidental damage or loss to laptop and portable electrical items anywhere in the UK" to the "sum of £500". Does that just mean that in any one claim, up to £500 of it is covered?

I didn't have my camera with me when I took out the policy, and I may review it now to cover it (as it's pretty expensive), but for the meantime, is all my stuff covered at once?

Well I can only access so much of the policy from home. I had the full booklet back at uni. I think it's £500 of gadget cover though. But it doesn't specify how much insurance is on top of that. As it's halls, they cover more things too, but I can't find a monetary limit for what is covered in that instance.